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Wheres the best place to get a personal loan

Pawn shops makes personal loans to people who bring in items as collateral. Common items that are pawned are jewelry, TVs, cellphones, cameras, guns, musical insruments, etc.

Borrowers receive a ticket that lists the items they pawned, amount of their loan, and when the money is due. Pawnbrokers are required to give police a list of items that have been pawned to screen out stolen merchandise.

Although pawn shops offer fast loans, they aren't cheap. Pawn shop loans come with annual percentage rates that can be as high as 300 depending upon a state's usury laws. For instance, New York limits the amount of interest that can be charged on small loans to 25. Generally, any loan a policybazaar personal loan comparison receives won't be anywhere near the market value for the item being pawned.

Appraised values are used and in many cases borrowers may be lucky to get 25 of the current retail price of their item. Some borrowers may be able to negotiate a better loan rate.

Wheres the best place to get a personal loan

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Wheres the best place to get a personal loan